improve your credit score: Enter a Buyer into a Purchase & Sale Agreement WITHOUT AN APPROVAL? - 07/19/07 01:17 PM
Has anyone seen this happen? 
I recently had a client who really wanted a new home, even though I advised them they needed a 620 fico as Self Employed for 100% financing.  They were driving through a neighborhood, only to stop at the builder's office to ask more questions.  For sake … (7 comments)

improve your credit score: Credit Analyzer & Repair - FREE - 07/17/07 11:52 AM
When you order your credit report through my secure site I offer FREE tools to help you improve your credit.
Privacy & Identify Theft Protection Analyzed Report with several suggestions on how to raise score Letters to Dispute Errors Letters to Request Changes that will improve your score This service is unique … (18 comments)

improve your credit score: Prevent Identity Theft & Credit Fraud - 06/11/07 02:49 AM
Here's the letter I send to my client's after we've pulled their credit report.
Privacy Protection & Your Risk of Identity Theft
OPT OUT of receiving telemarketing and mass junk mail and decrease your risk of identity theft.
Included is the opt out information to protect your privacy and decrease the risk of identity theft.  I highly … (3 comments)

improve your credit score: Credit Dispute Letter Requesting Removal of Inquiries - 06/11/07 01:53 AM
Re: Unauthorized Credit Inquiry
Dear American Express,
I recently received a copy of my Equifax credit report. The credit report showed a credit inquiry by your company that I do not recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my file unless I have authorized it. … (4 comments)

improve your credit score: Credit Dispute Letter Requesting Collection Agency to Validate Debt - 06/11/07 01:52 AM
Under the Federal Debt Collection Practices Act, you are allowed to challenge the validity of a debt that a collection agency states you owe to them. Use this letter and the following form to make the agency verify that the debt is actually yours and owed by you. Keep a copy … (1 comments)

improve your credit score: Sample letter requesting a Collection Agency to validate & remove a listing from database - 06/11/07 01:49 AM
The following is a sample letter requesting a Collection Agency to validate and remove a listing from their database. This letter should only be used after a debt validation attempt has been made.
Wednesday, October 04, 2006
Name of CreditorAddress
In Re: Your name & Account #
Dear Collection Manager:
It has come … (2 comments)

improve your credit score: Credit Dispute Letter - 30 Day Followup - 06/11/07 01:47 AM
Today's DateCredit Bureau Name (Experian, Equifax, Trans Union)Address 1Address 2Address 3 Dear Sir or Madam:I sent your company a reinvestigation request on (fill in this date) regarding certain inaccurate items on my credit report.  A copy of my original request and proof of receipt by your company is enclosed as an attachment.  … (1 comments)

improve your credit score: Credit Dispute Letter - 06/11/07 01:41 AM
November 5, 2006ExperianPO Box 2002Allen, TX  75013 EquifaxPO Box 740241Atlanta, GA  30374 Trans UnionPO Box 1000Chester, PA  19022Dear Sir or Madam:I recently obtained a copy of my credit report, which contains inaccurate or outdated information reported by your company.  I request that you investigate the following items and respond to me within 30 … (2 comments)

improve your credit score: How Credit Scores Affect Your Mortgage - 06/09/07 07:08 PM
Buying a house can be a fun yet daunting task. Most of the anxiety is caused by the loan application process. Most people today can't afford to pay cash for their houses so the loan process is one we can't avoid. And the loan process itself has become a very complicated … (19 comments)

 
Mortgage Company: HOPE Lending LLC
Melissa Olson ~ HOPE Lending LLC
Bellevue, WA
More about me…
HOPE Lending LLC

Office Phone: (425) 284-3055
Cell Phone: (360) 509-3030
Email Me
Our vision is to help everyone find financial freedom through lifetime learning, passion for excellence, integrity, and trust. Home Ownership Provides Everyone...what dreams are made of. HOPE Lending returns 10% of all revenues to the Muscular Dystrophy Association. Thank you for being part of this and living with a solid contribution in our ever changing Real Estate market. [RSS] [Google] [My Yahoo!] HOPE Lending LLC - Melissa Olson has invited you to Join Active Rain

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